New and Used Vehicle Rates

Model Year 2010 and Newer

Last Updated: August 7, 2017, 9:03 am

Terms APR
36 Months 2.69%*
48 Months 2.69%*
60 Months 2.89%*
72 Months 3.49%*
84 Months 3.99%*
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice.

Used Vehicle Rates

Model Year 2009 and Older

Last Updated: August 7, 2017, 9:04 am

Terms APR
36 Months 2.99%*
48 Months 3.49%*
60 Months 3.49%*
72 Months 3.99%*
84 Months 4.49%*
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice.

Recreational Vehicle Rates

Last Updated: August 7, 2017, 9:04 am

Type APR Terms Conditions
New Motor Homes 4.49%* 48-144 Months 85% lesser of MSRP or Purchase Price & Taxes
Used Motor Homes 4.74%* 48-144 Months 80% lesser of Low Average Retail or Purchase Price. Taxes Excluded.
New Boats 4.49%* 48-84 Months 85% lesser of MSRP or Purchase Price & Taxes
Used Boats 4.74%* 48-84 Months 80% lesser of Low Average Retail or Purchase Price. Taxes Excluded.
Motorcycles New and Used 4.49%* 48-60 Months 85% lesser of MSRP or Purchase Price & Taxes
Classic Cars Call Sierra Pacific for current Rates and Terms
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice.



Personal Loan Rates

Last Updated: August 7, 2017, 9:04 am

Type APR Terms Conditions
Overdraft Line of Credit 13.00%* Open-End Up to $2,500
Visa 8.49%* Open-End See visa disclosure for terms and conditions
Personal/Unsecured 9.99%* Up to 60 Months From $500 to $10,000 Terms Vary by Amount
Share Secured Regular share rate plus 3% Up to 36 Months Instant Approval Shares are pledged (Cannot be withdrawn)
Share Secured Regular share rate plus 4% 37-120 Months
Business Loan Products Offered Call Credit Union For Details
*Rates stated as annual percentage rate (APR). Rates assigned to individual loans will vary depending on Loan type, collateral, applicant financial status and credit history. Additional lending policies may apply. Rates are subject to change without notice.

Savings and Investment Rates

Last Updated: August 7, 2017, 9:05 am

Type Rate APR Conditions
Regular Shares 0.1480%* 0.1480% $0.01 and up
Regular Shares 10k+ 0.1810%* 0.1810% $10k and up
*Regular share deposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividend was earned.
Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.
Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.
Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.
*Annual Percentage Yield
Rates are subject to change and may change once the account has been opened.
The rates listed are accurate as of the date specified above.

Club Account Rates

Last Updated: August 7, 2017, 9:05 am

Type Rate APR Conditions
Christmas Club 0.2000%* 0.2000% Funds Released Nov. 1st
Vacation Club 0.2000%* 0.2000%
Auxiliary Account 0.1480%* 0.1480%

Regular share desposits are the basic instruments of share ownership. Regular shares pay a cash dividend, which is declared monthly. Dividends are calculated based on daily balances, and are paid the last day of the month in which the dividen was earned.

Value: Dividend interest paid is consistently higher than liquid savings instruments at banks and savings and loans. SPFCU has even consistently paid higher dividends than many money market funds and one year CDs.

Security: Each savings account is insured for $250,000 through the Federal National Credit Union Administration (NCUA). Plus, we have excess shares insurance which covers you up to an additional $250,000.

Deposits and Withdrawals: Unlike many other institutions, deposits are normally available the moment they are deposited. Withdrawals from savings and investment instruments can be made any business day up until 5:00 P.M. Funds can be picked up, mailed, or for the direct cost - be sent overnight delivery.

*Annual Percentage Yield

Rates are subject to change and may change once the account has been opened. The rates listed are accurate as of the date specified above.

IRA Rates

Last Updated: August 7, 2017, 9:05 am

Type Rate APR Conditions
IRA 0.2800%* 0.02800% $100 - 9999k
IRA 10k+ 0.3500%* 0.3490% $10k and up

Money Market Rates

Last Updated: August 7, 2017, 9:16 am

Product Rate APR Conditions
10k+ 0.2330%* 0.2330% $10k and up
25k+ 0.3020% 0.3020% $25k and up
170k+ 0.4000% 0.3999% $170k and up

Certificate Rates

Last Updated: August 7, 2017, 9:16 am

Product Rate APR Conditions
6 Month 0.3000%* 0.3000% $5k - 100k
9 Month 0.3500% 0.3500% $25k - 100k
12 Month 0.3000% 0.3000% $5k - 24,999
12 Month 25k+ 0.4000% 0.3990% $25k - 100k





Home Loan Rates

Last Updated: April 11, 2017, 4:20 pm

Type Rate APR Conditions
Home Equity Lines of Credit Call for Current Rates Up to 240 Months Variable Rate Loan
Business Home Equity Line Of Credit Call for Current Rates
First Mortgages Call for Current Rates
Unimproved Land Call for Current Rates

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Sierra Pacific Federal Credit Union